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Cryptocurrency is steadily gaining ground in the U.S., with more people and businesses exploring digital assets for payments, savings, and everyday transactions. Some fintech platforms are quietly preparing to integrate crypto into their apps, hinting at a future where digital assets become part of mainstream finance.

Walmart-Backed App Adds Crypto Trading

OnePay, a fintech company majority-owned by Walmart, is gearing up to let users trade and hold cryptocurrencies through its mobile app, CNBC reported. Later this year, OnePay users will be able to buy, sell, and hold Bitcoin and Ethereum, with support from the crypto startup Zerohash.

OnePay is integrating cryptocurrency as a core part of its “everything app” for digital finance. The firm has steadily expanded its offerings in its bid to become a U.S. version of a super app like WeChat. 

Notably, it already offers high-yield savings accounts, credit and debit cards, buy-now-pay-later loans, and even wireless plans.

Simplifying Payments

With the ability to hold Bitcoin and Ethereum directly in the OnePay mobile app, users could convert their digital assets into cash and then use those funds to make purchases in stores or pay off their card balances.

Crypto adoption is gaining increased momentum in the U.S under Trump administration. Even before adding crypto, OnePay is already making waves in the app world. The Walmart-backed fintech now ranks No. 5 among free finance apps on Apple’s App Store, ahead of big names like JPMorgan Chase, Robinhood.

SEC Signals Support

This comes as the SEC is also advancing more flexible rules for digital assets.

Just recently, SEC Chair Paul Atkins signaled support for platforms that combine multiple financial functions under single regulatory framework. This highlights SEC’s approach to better support integrated crypto platforms.

Coinbase has also shared plans to become a super-app and provide all type of financial services. 

CEO Brian Armstrong has said that the company’s ultimate goal is to replace traditional banks by offering everything from payments and credit cards to rewards. “We want to become people’s primary financial account and I think that crypto has a right to do that,” he said.